Date Received: 2023-12-13
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: My credit card was stolen from XXXX and the Citibank MC people are investigating and sent me a letter saying so. But when I call in and via emails thar are sent to me and CREDITORS who are calling me : My account is 'past due '. CITIBANK MUST freeze this account now! Why on earth am I getting late fees and my credit score is being harmed for 'over due account ' when my account was STOLEN from? I am certainly not going to pay off the thievery? What in the XXXX is wrong with Citibank? They need to correct this NOW and alert XXXX XXXX XXXX XXXX NOW!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a bunch of hard inquiries from places I didn't authorize or do myself I don't know how it happened, but I called XXXX they told me it's nothing they can do and call the companies, but all the companies gave me the run around so now I'm filling a complaint against all of them to get these unauthorized inquiries removed as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a bunch of hard inquiries from places I didn't authorize or do myself I don't know how it happened, but I called XXXX they told me it's nothing they can do and call the companies, but all the companies gave me the run around so now I'm filling a complaint against all of them to get these unauthorized inquiries removed as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Wage garishment without notice. I was not given a chance to verify this collection or dispute it in anyway as I was not notified correctly in this matter. I have live at my current address for almost 4 years and I am listed under my current address I have not tried to hide all bills are in my name. They are taking 25 % of my pay, for a debt that is from 2010. After the inflation of 3.56 % each year since 2010 I pay {$8.00} per {$20.00} dollars more then I did back in 2010. 25 % of my income is unacceptable during these days and times in the world. Since that debt I have XXXX child XXXX XXXXXXXX XXXX XXXX XXXX in college. They started the garishment with my XXXX check and without notice of this garnishment I was not able to plan for XXXX expenses in advance knowing they were going to take it. My children are affected by this garishment more then myself they are the ones that lose our. I live in a small apartment and drive an old XXXX XXXX van I have nothing and 25 % of my income is from hard work that goes straight to my children.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45429
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Citibank closed my account in late XX/XX/2023 for unknown reasons and failed to mail a check for the balance of {$990.00} nor my XXXX social security payment of {$850.00} that was deposited into the supposedly closed account per the Treasury department. I'm still receiving emails for my account statements, which makes no sense as Citi indicated that the account would be closed within 60 days and a check would be mailed. It still has not been mailed as of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Electronic communications
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I'm doing a formal request thru the CFPB to have Citibank CEASE and DESIST any Attempts to collect a balance that I legally disputed, for services not provided. This Bank and its incompetents ' employees are ignoring my lawfully request. I'm including 2 mails envelopes from Citibank been returned. One from XX/XX/2023, and another one from XX/XX/2023. By the way Citibank has denied and ignored to provide me the terms and services signed by myself when I signed for this credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received transaction email stating I purchased an item. I have not used this card for over 1 month and this charge was not done by me. I immediately called Best Buy Credit Card company and reported fraud charge. I was told it was used in XXXX other places and all XXXX charges were disputed right away. I was told that my account is locked and they will send me new credit card. 5 days later same credit card was used and charges were made. I called again and they told me for some reason card was not locked and they will lock and make those charges in dispute as well. One month later I received later stating that my fraud claim is denied and I am responsible for all the charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Someone placed an order on my credit card with Macy 's. I found out and called the company and reported the charge. I called this company at least XXXX times without any customer service representative understanding what I was saying. the comprehension and understanding of representatives is unbelievable. calling Macy 's customer services you're calling overseas and it's extremely frustrating especially when you're trying to communicate a problem. Finally, I spoke to a manager who understood what I was saying and he refunded the charge from my credit card because I wasn't responsible for that charge. The credit company reported this as a late charge on my credit. How can I be liable for a charge that I didn't receive? How could you charge me for something I never received?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Other service problem
Subissue:
Consumer Complaint: When I logged in to my Citi account I wanted to send money to my wife via XXXX. I send money to her monthly in the amount of {$1800.00}. the web page asked me to verify my email, but in fact I was registering my XXXX account as if it was brand new. Once I got to the sending page there was a limit of {$500.00}. It was a long convoluted process to get out of the automated attendant and get to the proper person, In the wire department. In summary they said that even though they tried to change my identification back to my phone number there was no way they could increase my daily limit and it had to be done " over time ''. This is not helpful as I have been sending money via XXXX for years and my last payment was in XX/XX/2023 in the amount of {$1800.00}. This is causing me added costs, time and consternation as my account was working fine. Not at all helpful. Now I have to withdraw the funds manually and put the funds in the receiving account. Horrible experience and really no help from Citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19958
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Subject : Immediate Action Required : Escalated Complaint - Account Freeze I am writing to express extreme dissatisfaction and concern regarding the ongoing freeze on my Citibank account. During my employment with Citibank from XXXX to XXXX, there was a delay in depositing the XXXX company matching contribution, which was only deposited in XXXX of the following year. In XXXX, Citibank established an XXXX account to manage these funds. Recently, I was advised to complete paperwork labeled " simplified banking, '' which I promptly submitted. On XX/XX/XXXX, after being assured that all documentation was complete and approved, a representative promised that the freeze on my account would be lifted. However, on XX/XX/XXXX, I was informed by another representative that a missing piece of information was preventing the account 's unfreezing. Surprisingly, I received no communication from Citibank regarding this missing information, and I was told that it's not customary for them to contact customers for such matters. I immediately provided the missing information as requested. After multiple conversations with supervisors, including XXXX and XXXX on XX/XX/XXXX, I was assured of an expedited resolution and advised to call back on XX/XX/XXXX, to confirm the freeze 's removal. However, as of my recent call on XX/XX/XXXX, the freeze persists despite the assurances given. The lack of accountability and the continuous delays in resolving this issue are unacceptable. I have diligently complied with all requests and engaged in numerous follow-ups to resolve this matter, yet the freeze remains unresolved. I urgently request immediate action to rectify this matter and remove the freeze from my account without further delay. Furthermore, I seek clarification on the steps being taken to expedite this resolution and ensure adherence to Citibank 's standard procedures. I expect a prompt and detailed response outlining the resolution process for this issue.
Company Response:
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A